# FALLS CATHOLIC
Cuyahoga Falls, OH · NCUA charter 96707 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/falls-catholic-96707

Who the members are: state charter. 4,660 members of 25,000 potential (18.6% of the field); checking penetration 49% (share draft accounts per 100 members); loans per 100 members 65.

**Verdict on the desk:** this could be *participation buyer*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $58.9M |
| Members | 4,660 (-1.0% YoY) |
| Full-time staff | 9 |
| Net worth | $10.2M |
| Net worth ratio | 17.3% (p83 of band) |
| ROA (annualized) | 1.12% (p71 of band) |
| Total delinquency | 1.23% (p79 of band) |
| Net charge-offs (annualized) | 0.81% (p84 of band) |
| Loans / shares | 65% (p57 of band) |
| Cash / assets | 29.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.92% (p64 of band) |
| Operating expense / assets | 3.40% (p45 of band) |
| Vehicles % of loans | 54% (p67 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 47% (p76 of band) |
| Vehicle delinquency | 1.16% (p74 of band) |
| Vehicle NCO | 0.72% (p75 of band) |
| Repossessed % of vehicle book | 0.05% (p80 of band) |
| Real estate % of loans | 35% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 1% |
| Core shares % of member funds | 57% |
| Certificates % of member funds | 26% |
| Average share balance | $6,055 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 65% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $10,391 |
| Loans granted, annualized | $5.0M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | delinquency 2x band, charge-offs p90 |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 4 | net worth falling, members leaving, loan book shrinking | charge-offs p90 |
| 2017-06 | 3 |  | net worth falling |
| 2017-09 | 1 |  | members leaving, loan book shrinking |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | net worth falling |  |
| 2018-06 | 1 |  | net worth falling |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | assets shrinking |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 1 |  | assets shrinking |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | margin squeeze |  |
| 2020-09 | 3 | net worth falling |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 2 |  | net worth falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 |  | margin squeeze |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | assets shrinking |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | assets shrinking |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | net worth falling |  |
| 2025-06 | 1 |  | delinquency 2x band |
| 2025-09 | 1 | delinquency 2x band | net worth falling |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | delinquency 2x band |

## In the news (Google News, unfiltered, newest first; check the city)

- 2013-11-01 [Linda Danish Obituary Nov 1, 2013 - Hummel Funeral Home & Crematories](https://news.google.com/rss/articles/CBMiakFVX3lxTE10WnYwX0hsZ1hNOFJoc1NPZGRSU0ZzQVlBdkNIXzZmVGRRcE00c3F1TUtVSDEwYmw2WURoRjg3LWxOc1o0LTVOemdDckVvanU3Z2wyeXZYU2hWMVVkbkV5OWxTZkRCUnJfb2c?oc=5) · Hummel Funeral Home & Crematories
- 2016-07-27 [How to help the Cuyahoga Falls officer injured in intentional patrol car crash - Cleveland 19 News](https://news.google.com/rss/articles/CBMiggFBVV95cUxNUThGeHJCdDhDblFJbXVybVZPNTlwZFdreDByVEtCS2g2enJDSDJGTmp3amhlXzhWdVZ4bVlhN0o1cTBhN0R3VzlRR0FOTlN0ZHJRVXZrdnh6TlllYzZUYWxKemM0MzJjNFBJdnYtNDdhTE8wb0dHVlVkZlMtTlVvTDFR0gGUAUFVX3lxTE5HYzJWT3hPaElLS2daellTSmdILU5EN2dXOGhPbWZzbzgtdXozVWdyaW9QLV9IbTRpZWx4c2FtQWJJNWNSaVFraFlfM2FkalJnc3MtS3hzQUxWb3lqNXVWNmRKRVJCWGs1UmZGYkc3bzRvVDVaS2stVnJEWUpwN0VHOVZ4bkhDcXduc1pUV1hRZHBPZFg?oc=5) · Cleveland 19 News
- 2016-07-29 [Cuyahoga Falls officer injured in crash released from hospital - FOX 8 News](https://news.google.com/rss/articles/CBMijgFBVV95cUxONVRJOEwxdkdzM1F6clVfMC1hUGJVZmMzeGNjNHNSTVhjMnExOWdRUUp1dW9zS1Yya05kWFZhejdNSWRvSUFiemMwcHlNTmNOZ2RXY1dIRHR6a01uMkFvM3pZZkpYa3IwM2tJR2xGVXZGSmJSc0dmN2lfRERaUjhDc1oxbjlMRlBkQWdoLWlB0gGTAUFVX3lxTE1GNVdqVEE1M1YwYVpRR2R5eTRScmdicjdwei03SnhHNldaMWo1MDJTSXdzRG9UTkVCazN2Q0kxcDlYUkJvTko2aWpUdlBuampFa3I2NVhXbUY1Qllua1VIdUhLZE9tV1NHQVNYUS1PUEp1NEZfZ3VoV215UmNCTDlBNWdEajN1WG9zNXVOOVp2S1BUcw?oc=5) · FOX 8 News
- 2024-09-06 [Mark James Gorbach - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxNREZCOTlfc0sxaDVpSlJLazg2eUJtcUZVYzVyaGVoUTZZZXFzZ0NCUmVoWTgyVzZaV1B4QXlyNFRRTU1PWGdoODh4SnBGUHRabjRsdUktM01LSU5jYUNSb0xhWVFFck9HNmxwMFg0TDhtTjBXSVdUbEd1YUFFZ29sNQ?oc=5) · legacy.com
- 2016-07-23 [Update: Suspect charged for hitting officer - News 5 Cleveland WEWS](https://news.google.com/rss/articles/CBMiswFBVV95cUxPdnF1bnpCNWdLTHptcEdEVUpqdUtOQ2N0RzFic1Vfcll6OHdMeXdXRU42SzB4Vms3Nlo2ZE5CT0NHeG1ZNDlsZVJFUGhSY1M4VWlYUC1DbU9fSTlZbnlwcFlJb181Y3FzV25OdWFwUnBLVUdCRzQ2UTJZd0cwdDJUWmhlNUVxN3hYTVRWQWV2cXRSV0paT3dDb0gzWHlvYjNaR1RmcHlGelVva3JqNUhOcDUzRQ?oc=5) · News 5 Cleveland WEWS
- 2002-03-02 [Jean Kennedy Obituary (2002) - Akron, OH - Akron Beacon Journal - legacy.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxQUkItTkl6RVRwZU5kYWppYnZ4R2Q1eVhOMGc5YnVleWc2Unc1Q0JmNGNsWW1kVmE4TE5taHVnd05XdFRpOTVZcHdFdnY1ZnVuNVFqZnFhNHpLVDZCTGN2alR4aU9WX3NEbWNBbWJWSndhVXZDTklmSjhOdERpc3ZCSWxWaWRqV1E?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=96707 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/3.json (key "96707", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=96707
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide